Current accounts that suit you.

Whether you’re opening your first ever bank account, getting set for college or university, or just looking for an everyday account, we have something for you.

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What you get from all TSB current accounts

Fraud refund guarantee

There’s only one bank in Britain that offers you a fraud refund guarantee. T&Cs apply.

Learn more

Switching is easy

Easily switch from your old account in seven days.

Switch bank accounts

Banking on your terms

App, online, branch, or telephone banking.

View ways to bank

Our everyday current accounts

Looking for a student or youth account?

Spend & Save Plus

£3 monthly maintaining the account fee

Make the most of your money

£5 cashback every month 
  • Ongoing £5 cashback every calendar month, until you close the account, change to another TSB account or TSB withdraws the offer.
  • Cashback is earned when you make 30 transactions or more on your debit card each calendar month, including the month the account is opened.
  • You are eligible for Cashback on opening a new Spend & Save Plus account, or changing from an existing TSB account.
  • See Cashback T&Cs.

      Make 30 debit card transactions or
      more each calendar month
Up to £2,000 overdraft

Arranged Overdraft subject to application and approval. Overdrafts are repayable on demand.


      First £100 interest free. Subject to
      application and approval
App features to help you save
No TSB fee on debit card
      transactions worldwide

No TSB charges for using your debit card abroad. The ATM operator or foreign bank may charge a fee for cash withdrawals. Sellers may also apply a currency conversion fee, if you make a payment by your debit card and they do the conversion.

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Spend & Save

No maintaining the account fee

Save while you spend

£5 cashback, first six months

Earn £5 Cashback monthly for six months, including the month you open your account, when you make 30 debit card payments or more each calendar month. You are eligible for Cashback on opening a new Spend & Save account, or changing from an existing TSB account, excluding Classic. See Cashback T&Cs.


      Make 30 debit card transactions or
      more each calendar month
Up to £2,000 overdraft

Arranged Overdraft subject to application and approval. Overdrafts are repayable on demand.


      Subject to application and approval
App features to help you save
 
 
Tell me more

Cash

No maintaining the account fee

Our basic bank account

This is only suitable if you aren't eligible for one of our other accounts and don't have access to another UK bank account.
 

Tell me more
 

Spend & Save Plus

Spend & Save

Cash

Monthly maintaining the account fee
£3    
No fee
No fee
Arranged overdraft limit
Up to £2,000
Subject to application
and approval       
Up to £2,000
Subject to application
and approval
X
Not available
Interest-free overdraft
Up to £100
Subject to application
and approval
X
Not available
X
Not available
Overdraft interest charged above any interest-free amount
39.9% EAR
39.9% EAR
X
Not available
Representative APR
40.1% APR
39.9% APR
X
Not available
Monthly cashback
£5
Every month
£5
For the first six months
X
Not available
TSB fees for using abroad
No transaction fees Charges apply Charges apply
Money confidence tools
Save the Pennies
Returned item fee
£0
No fee
£3
Per returned item
£0
No fee

Our student and youth current accounts

Looking for an everyday account?

Student

No maintaining the account fee

Manage your money at university

5% AER / 4.89% gross variable 

5% AER / 4.89% gross variable interest on balances up to £500.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.


      Interest on balances up to £500,
      paid monthly
Up to £1,500 overdraft

Arranged Overdraft subject to application and approval. Overdrafts are repayable on demand.


      Interest free. Subject to
      application and approval
Student credit card option
      Choose to apply
Tell me more

Graduate

No maintaining the account fee

Helping you find your feet

Up to £2,000 overdraft

Arranged Overdraft subject to application and approval. Overdrafts are repayable on demand.


      Interest free. Subject to
      application and approval
Apply for a graduate loan
      Borrow £1,000 - £10,000
Credit card option
      Choose to apply
Tell me more

Under 19s

No maintaining the account fee

Leave your piggy bank behind

2.5% AER / 2.47% gross variable

2.47% gross variable rate interest on balances up to £2,500. Paid monthly. Any money over £2,500 will earn 0.1% AER variable.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.


      Interest on balances up to £2,500,
      paid monthly
Driving lesson discounts
      With the AA when you’re 17                                                                                                                                                       
Tell me more
 
 
 


How do I switch to TSB?

We guarantee switching your current account to us will only take seven working days.

It’s easy as 1-2-3.

  1. Choose to switch to us when you apply, or any time after.

  2. We will move all your incoming and outgoing payments into your new account.

  3. In the unlikely event there are any hiccups, we'll refund any interest and charges on your old or new current accounts.

 


 
 

Any more questions?

Using the Current Account Switch Service (CASS) online you can switch a current account from another provider to us. Not all banks are participants of CASS. You can check if your current provider is a CASS participant before applying to switch to us here.

If you want to switch from a provider who isn’t a CASS participant or want to switch a savings account, we can still organise the switch for you but it can take a little longer. Applications to do this are available in a TSB branch. We recommend you book an appointment before visiting the branch. Please call our Telephone Banking team on  0345 975 8758 to book an appointment. 
 

You can switch your joint Current Account from your old bank in to TSB providing that your  new TSB Current Account is also a joint account. You can also switch your sole account into a joint account, however you can’t switch a joint account into a sole account.

We may be able to provide facilities to pay off any existing overdraft you may have, subject to our normal lending criteria. If you agree an overdraft limit with us it may not match that offered by your old bank. If you do not come to an agreement with us you will need to make separate arrangements to repay any balance owed with your old bank. 

Please be aware your old bank is entitled to use any funds it receives in settlement of the debt on your old account. 

Yes you can still use your old bank account up until day 6 of the switch. If you set up any new payment arrangements on your old bank during the switch these will not be transferred. 

Your old bank will automatically close as part of the 7 day switching process.  This ensures payments made to your old account can be redirected to your new account. If your old account is overdrawn or has pending transactions on the day the switch completes the account will stay open until the balance reaches zero. 

If you want to keep your old account open you will need to do a partial switch. This can only be done in a TSB branch and will take longer than 7 working days. We recommend you book an appointment before visiting the branch. Please call our Telephone Banking team on  0345 975 8758 to book an appointment

To cancel the switch completely, you need to let your new bank know at least 7 working days before your switch date. After that, only certain elements can be cancelled depending how far through the process we are. 

As part of the 7 day switch there is a redirection on your old bank account. This means credits to your old bank will be forwarded to your new bank within 24 hours. This includes debit card refunds however these can take a little longer. If you receive a credit after 3pm Friday, weekends or bank holidays these will be forwarded the next working day.

Need any help?

Chat with us

Use the TSB Mobile Banking App to get help with queries 24/7.

Get in touch  

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Give us a call

Lines open 8am - 8pm Monday to Sunday.

03459 758 758

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Visit us in a branch

It’s easy for you to pop in and manage your finances.                                               

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Our service

We know that customers want something different and better from their bank. Our IT platform continues to deliver real benefits for our customers - and every day more of our customers are taking advantage of our improved digital offering for their banking.

We also continue to have a relentless focus on our customers and improving our customer service levels are a key priority for us.  

Our most recent customer survey indicates that 80% of customers rate the service they received from TSB as ‘good’, ‘very good’ or ‘excellent’.*

*Results based on 4647 surveys between October and December 2020. TSB’s internal retail customer surveys are conducted online and via telephone with the survey running continuously.


 

You can check our service status here

Independent service quality survey results

As part of an independent regulatory survey, customers were asked how likely they would be to recommend their personal current account provider to friends and family.

Ranking

PCA Overall Service Quality


 

Find out more

Financial Conduct Authority - Service Quality Indicators

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TSB Complaints for first half of 2020

Like all banks, we share our complaints numbers twice a year at the request of our regulator, the Financial Conduct Authority (FCA), to help customers understand banks’ overall performance.

Find out more

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